We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage free in Forever Home :-)
Comments
-
savingholmes said:Well done on the tip run and decluttering. I don't know where you find the energy for the PC but they need good people so well done you.
I found DKW's book really good on decluttering - particularly listening to it on audible. She helped me make the final push with my house to get it sale ready. I listened while doing to help motivate myself. I think I also used pictures in my head of my ideal holiday cottage scenario to try and get the amount of stuff I retained visibly at least to a holiday cottage level. I'm getting my cleaner to help with the continued thinning out - and in a milestone for me didn't check what she chucked last week.
I will look for that book - I’m always a hard copy kinda girl - can’t be doing with listening to things, always want to do something at the same time and then find I have missed whole chunks!KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
LadyWithAPlan said:Well done on the decluttering!I love those SS shows where they put all your stuff in a warehouse !I am away on an unexpected but fun business trip so only have a small suitcase .. amazing how I manage without loads of stuff
Another thing I have gleaned from the SS shows is that your behaviour around possessions is inevitably learned from your parents. My mother is a full on hoarder ….. so I’m not doing as badly as I think I am when I compare myself to what I grew up with!KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
KajiKita said:
....can’t be doing with listening to things, always want to do something at the same time and then find I have missed whole chunks!
Instead, I listen to podcasts in the car. I do miss bits sometimes if I'm concentrating on a manoeuvre/concentrating on someone else's bad driving/concentrating on finding my way, but mostly I'm a captive audience and I take a lot in in what would otherwise be unproductive timeMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
I used my phone and just carried it with me in a pocket while decluttering with her voice nattering away encouraging me to let go of more. Totally relate to inherited traits related to hoarding!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Counselling session today after work covered a lot of ground but got bogged down on my aunt, which was kind of inevitable I suppose.My car exhaust then detatched itself just as I was heading home … unfortunately at just the right angle to potentially rip the entire bottom of the car off. 🙄 The AA man patched it up and I got home, but I am under *strict* instructions to take it straight to a garage tomorrow morning!!I have a busy and complicated day tomorrow …. Sigh …After getting home and bolting down the food Mr KK had prepped for me, headed out to the parish council meeting. I have expressed an interest in being the Clerk but the new Chairman seems to be very grateful that I have agreed to stay on as vice chair (not really sure why 🤷♀️) so I might stick with that.Very tired now.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Sorry about the car. Sounds another full on day. Be kind to you along the way.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Boo to the carI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
beanielou said:Boo to the carsavingholmes said:Sorry about the car. Sounds another full on day. Be kind to you along the way.
@savingholmes, I was quite conscious of how stressy all of this could get …. So I have consciously let myself off things tonight and I am not worrying about what is meant to be happening tomorrow until tomorrow.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Hope the car repair isn’t too expensive!
I usually listen to podcasts when driving but haven’t driven any distance for ages so I will need to get used to listening at home. I thought it might be good for doing something crafty as I wouldn’t need to look at the screen.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I have a new back and mid box (the back box literally crumbled to pieces as he took it off!) and am £177 lighter - nowhere near as bad as it might have been.I had to wait at the exhaust place until the parts arrived, so they let me use a spare office to conduct an interview I had planned this morning! It went well and I have booked him in for second stage interview next Monday 😊 Got to work just before lunch.
Left on time after a busy afternoon and then had a call with a recruiter about another role for me at a site 20 minutes less commute away, easier roads and with the option to work from home two days per week. It would mean a drop in salary though.Absolutely shattered now. I have no great ambitions to do anything much more this evening!
KkAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards